Hi Gabriel..I've been in and around loans since 2003..we work closely with our lending partner that actually can provide HELOC or fixed second loan using a variety of income including bank statements..I think you can go up to 80%-85% on a primary using bank statement on a second lien position.

I don’t think you can narrow down Cincinnati by zip codes and more have to focus on the area as some zip codes can have a variety of areas.  

Someone could have bad credit, but good landlord references, strong income or employment history, etc.I score based on a variety of criteria, determine the level of risk, and then charge a higher deposit to offset that risk.

Alternatively there are several 'plug & play' national brokerage that allow you to work with a variety of up to 100+ banks/lenders but the challenge is again sort of being on your own when it comes to processing, disclosing and closing.

I run the FB group Philadelphia Landlords Connect -2000+ small investors who have a variety of experiences that they share and help each other to find good contractors, navigate city laws... 

Good post - would only add a small tweak on Multifamily DSCR - started as 5-8 but now stretching to 9 or 10 units in some places (i've been surprised how much this matters - see quite a few deals on the nine or ten unit variety that only work with DSCR).

There is never any pressure to buy, and they offer a variety of consulting platforms to guide a potential owner through the process of purchasing passive real estate in Jacksonville, Florida.

So from funding balt city row houses to loudoun county :)Yeah it’s funny even on a personal level I lived in D.C. last year and the crime while I was never a victim there were probably at least a half dozen shootings within a few blocks a my apartment (which was literally across from where the nats play, a good part of town) and literally so many car jackings I lost count, eventually at the end of the year I was like I’m not paying 3k a month to have constant shootings next door, I’ve ended up for a variety of reasons spending at town of time on the eastern shore, and I kind of realized this is walkable & safe & affordable, I kind of think small towns are the future.  

@Nathan Gesner is correct: getting good landlord education resources is helpful to educate yourself on the variety of legal and practical considerations of property management.

So, he hired a lawyer, bought some more land and started planting flowers in the toilets all over town.